• Access smarter online savings.

    Let your money simply do more for you.

  • no fees.

    higher rates.

    Reach your goals faster.

  • 100%

    committed to security.

    Plus, we're FDIC insured.^

See our rates

online savings account


  • Market-leading rates
  • No fees for anything
  • $5,000 minimum deposit

online CD account (12m)


  • Terms: 6m, 12m, 18m, 2yr, 3yr, 4yr & 5yr
  • Even better rates than savings accounts
  • $5,000 minimum deposit

CD ladders

savings climb with CD ladders.

Enjoy higher earnings while having greater access to your funds.

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why you'll like Access.

  • no lines. we’re digital.
  • no surprises. we don’t do fees.
  • no searching. you've found some of the best rates.
  • no worries. our security is best-in-class.
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simple sign-up


minutes is all it takes.

Apply for a Citizens Access account in just a few easy steps.

open account


Why save with Citizens Access?

We are not only 100% committed to providing the best savings experience and market-leading rates, we’re also backed by deep institutional knowledge – Citizens Bank, N.A., has been supporting customers for 190 years with over $150 billion in assets.  So while we are new, our roots are not. And with FDIC insurance, leading security practices, and absolutely no promotional rates or fees, you’ll get smarter, simpler, secure savings… period.

What products does Citizens Access offer?

We offer an Online Savings account in addition to Online Certificates of Deposits (CDs) with some of the best rates available in order to help you earn more and achieve your savings goals.

How does Citizens Access offer such great rates?

We are a digital, online only bank. We designed our business to minimize our costs, which means we are cashless, paperless and have no physical bank branches. Instead of pocketing these savings for ourselves, we have committed to consistently offer our customers some of the best rates available.

"No fees, for anything."  Really?

That's right!  Unlike most banks, Citizens Access charges zero fees, no account opening or maintenance fees, and no ancillary service fees. No fees for anything.

No branches? How do I access my money?

No branches allows us to deliver you some of the best rates available, but being a digital bank doesn't mean you can't access your funds. Simply link your account to your account(s) at other financial institutions and set up a one-time or recurring electronic transfer (transfer restrictions apply) or, if you prefer, you can also call us and request a check made out to you.

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